Staff Writers

Embedded Finance in Japan: How Retailers Are Expanding Revenue Through FinTech Partnerships

Purchasing a bento box at a convenience store in Japan is no longer just a matter of going through the cashier. You can also tap, earn points, make partial payments, add money to your wallet and sometimes even pay a bill, all on the same screen. What looks like convenience is something bigger taking shape? Finance is sliding into everyday retail, almost unnoticed. This shift is powered by embedded finance. In simple terms, it means non-financial companies offering banking, lending, payments, or insurance through technology integrations. The bank still exists in the background, but the experience lives inside the retailer’s app or store. APIs and banking-as-a-service make this possible without turning retailers into full banks overnight. Japanese retailers are not stopping at cashless payments. They are building full economic ecosystems…